M & M Income Tax Services

M & M Income Tax Service is a federal income tax preparation service that specializes in electronic filing (IRS e-file). We provide full service, individual federal income tax preparation, state income tax preparation, bookkeeping and payroll services.

IRS Direct Deposit

When you come to M & M Income Tax Service for income tax preparation, you can choose the products and services that are right for you. When you choose the IRS Direct Deposit option, you can receive your refund directly from the IRS via direct deposit to your bank account in 7 to 13 days, or have your refund check mailed to you in 9 to 15 days. The IRS Direct Deposit option is free with paid income tax preparation.

Electronic Refund Check or Deposit (ERC or ERD)*

With an ERC or ERD, you can receive your refund in 7 to 13 days. There are no up front fees* costs because tax preparation and other fees can be deducted from your income tax refund. When you visit M & M Income Tax Service and choose an ERC or ERC, you can have your income tax refund proceeds deposited directly into your personal bank account in 7 to 13 days or come back to M & M Income Tax Service to pick up your refund check.

Refund Anticipation Loans*

Qualified M & M Income Tax Service clients can apply for a Refund Anticipation Loan, or RAL, and receive the proceeds of their loan in as little as one day. When you are approved for a Refund Anticipation Loan, you can return to the office where you had your income tax return prepared and filed to pick up your check.

What you should know before you choose a Refund Anticipation Loan

A Refund Anticipation Loan (RAL) is a loan that is made available to qualified customers by a bank based upon several criteria, including the customer’s anticipated tax refund. Your M & M Income Tax Service tax preparer will explain all the product options that are available to you when you come in for income tax preparation. The Refund Anticipation Loan is paid back with your refund

*A Refund Anticipation Loan (RAL) is a loan secured by your tax refund and is offered by Republic Bank & Trust Company to qualifying applicants, and is available to Electronic Refund Check or Deposit (ERC or ERD) customers. If approved for a RAL, a Finance Charge and Credit Investigation Fee will apply. RAL proceeds are available within 24 hours of IRS acceptance. A Tax Refund Administration Fee and other fees may apply for the ERC or ERD, and will be deducted from the customer’s tax refund. Visit your tax preparer to learn about all filing and product options, including obtaining your refund without a loan and at no additional cost.